Method for providing banking services by use of mobile communication system

Abstract

A method of providing banking services by use of a mobile communication system having a removable built-in integrated circuit (IC) card chip in which personal identification number (PIN) information and related information on financial accounts of a user are stored. The method includes selecting an electronic bankbook service and selecting any one from financial transactions for the electronic bankbook service and comparing the PIN information input at the mobile communication system with the PIN information stored in the IC card chip, and authenticating access to data stored in the IC card chip on the mobile communication system. The method further includes displaying financial account information of the user stored in the IC card chip in a display window of the mobile communication system and forming a financial transaction request message using the related information of the selected financial account through a banking application built in the mobile communication system, and transmitting the financial transaction request message to the banking server. The method further includes performing a predetermined customer authentication process with respect to the financial transactions and financial accounts at the banking server, and transmitting a financial transaction response message to the mobile communication system and displaying the resulting transaction history in the display window of the mobile communication system.